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2024 data HMDA 2024 disclosure official source

Warrick County

2,953 mortgage applications, 12.9% denial rate. Verify FIPS 18173 with U.S. Census Bureau →

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Indiana · FIPS 18173

Local mortgage market. Warrick County, Indiana saw 2,953 HMDA-reported mortgage applications in 2024. Lenders originated 1,743 of those loans and denied 381, producing a denial rate of 12.9% and an approval (origination) rate of 59.0%. The average loan amount was $227,804 at an average note rate of 7.09%, with applicants self-reporting average annual income of $35K. 143 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 18173 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,953
Applications
1,743
Originated
12.9%
Denial Rate
59.0%
Approval Rate
$227,804
Avg Loan Amount
7.09%
Avg Interest Rate
$35K
Avg Applicant Income
6.5x
Loan-to-Income Ratio

Nearby Lenders in Warrick County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Liberty Federal Credit Union 267 15.3%
2 Heritage Federal Credit Union 217 12.4%
3 Mortgage Masters of Indiana Inc 199 11.4%
4 Lnb Community Bank 139 8.0%
5 Old National Bank 105 6.0%
Compare Liberty Federal Credit Union vs Heritage Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Warrick County?
In the 2024 HMDA reporting year, 2,953 mortgage applications were filed in Warrick County, Indiana. Of these, 1,743 were originated (approved and funded), while 381 were denied, resulting in a denial rate of 12.9%.
What is the mortgage denial rate in Warrick County?
The mortgage denial rate in Warrick County is 12.9%. The approval (origination) rate is 59.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Warrick County?
The average mortgage loan amount in Warrick County is $227,804. The average interest rate is 7.095%. The average applicant income is $35K.
What is the loan-to-income ratio in Warrick County?
The average loan-to-income ratio in Warrick County is 6.5x, meaning borrowers took on loans averaging 6.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Warrick County?
The top mortgage lenders in Warrick County by origination volume are Liberty Federal Credit Union, Heritage Federal Credit Union, Mortgage Masters of Indiana Inc. In total, 143 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.